« Homeowners & Renters Insurance

Factors Affecting Premium Cost

Type of Construction: Frame houses usually cost more to insure than brick.

Age of House: New homes may qualify for discounts. Older homes may not qualify for preferred programs. Older homes are usually required to have updated heating, plumbing, wiring and roofing.

Local Fire Protection: Your home’s distance from a fire hydrant and the quality of your local fire department determine your fire protection class.

Amount of Coverage: The amount of coverage you buy for your house, contents and personal liability will affect the price you pay.

Deductible Amount: Your choice of a higher deductible will reduce the price for homeowners insurance.

Discounts: Insurers offer lower prices for such things as insuring your home and car with the same company and installing dead-bolt locks or alarm systems.




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